THE HOME MORTGAGE DISCLOSURE ACT (HMDA) NATIONAL AGGREGATE REPORTS ARE PREPARED ANNUALLY BY THE FFIEC ON BEHALF OF INSTITUTIONS REPORTING HMDA DATA.
THEY ARE FACSIMILE REPORTS OF HMDA DATA IN TABLE FORMAT.DEPENDING ON THE REPORTED DATA, THERE CAN BE UP TO 49 TABLES, SHOWING THE NUMBER AND DOLLAR AMOUNT OF LENDING, CROSS-TABULATED BY LOAN, APPLICANT, AND GEOGRAPHIC CHARACTERISTICS.INDIVIDUAL INSTITUTIONS’ DATA CANNOT BE IDENTIFIED IN THE NATIONAL AGGREGATE REPORTS. THE HMDA NATIONAL AGGREGATE REPORTS ARE AVAILABLE ON THE WEB ONLY.

AS IN THE PAST, TO CATEGORIZE CENSUS TRACTS BY INCOME WE RELY ON THE 2000 CENSUS TO DETERMINE THE MEDIAN FAMILY INCOME FOR EACH MSA/MD.FOR CATEGORIZING APPLICANTS OR BORROWERS, WE RELY ON INFORMATION OBTAINED FROM THE DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT (HUD) FOR AN UPDATED ESTIMATE OF THE MEDIAN FAMILY INCOME FOR EACH MSA/MD.

CHANGES FOR 2009 DATA

ON JULY
14, 2008, THE FEDERAL RESERVE BOARD ANNOUNCED AMENDMENTS TO REGULATION C THAT REVISED
THE RULES FOR REPORTING PRICE INFORMATION ON HIGHER-PRICED LOANS.FOR LOAN APPLICATIONS TAKEN PRIOR TO OCTOBER 1, 2009, HMDA REQUIRED LENDERS
TO COMPARE THE ANNUAL PERCENTAGE RATE (APR) ON THE LOAN TO THE YIELD ON A TREASURY
SECURITY WITH A COMPARABLE TERM TO MATURITY TO DETERMINE WHETHER A LOAN WAS REQUIRED
TO BE REPORTED AS HIGHER-PRICED.IF
THE DIFFERENCE EXCEEDED 3 PERCENTAGE POINTS FOR A FIRST-LIEN LOAN OR 5 PERCENTAGE
POINTS FOR A JUNIOR-LIEN LOAN IT WAS CLASSIFIED AS HIGHER-PRICED AND THE RATE SPREAD
WAS REPORTED.

UNDER
THE AMENDED RULE, LENDERS INSTEAD COMPARE THE APR ON THE LOAN TO A SURVEY-BASED
ESTIMATE OF APRs CURRENTLY OFFERED ON PRIME MORTGAGE LOANS OF A COMPARABLE TYPE.LENDERS THEN REPORT THE SPREAD IF THE
SPREAD IS EQUAL TO OR GREATER THAN 1.5 PERCENTAGE POINTS FOR A FIRST-LIEN LOAN OR
3.5 PERCENTAGE POINTS FOR A SUBORDINATE-LIEN LOAN.THE REVISED REPORTING METHODOLOGY APPLIES TO LOAN APPLICATIONS TAKEN ON OR
AFTER OCTOBER 1, 2009 AND FOR LOANS THAT CLOSE ON OR AFTER JANUARY 1, 2010, REGARDLESS
OF THEIR APPLICATION DATES.

THE CHANGES
TO THE NATIONAL AGGREGATE REPORTS ONLY AFFECT TABLES THAT CONTAIN LOAN PRICING INFORMATION
(TABLES 3-2, 11-1 THROUGH 11-10, 12-2, AND TABLE B).THE “STANDARD” NATIONAL AGGREGATE REPORTS LOAN PRICING TABLES ONLY INCLUDE
LOANS WITH APPLICATION DATES PRIOR TO OCTOBER 1, 2009.TO PROVIDE INFORMATION ON LOANS THAT WERE EXCLUDED FROM THE “STANDARD” NATIONAL
AGGREGATE REPORTS, A “SPECIAL” NATIONAL AGGREGATE REPORT WAS CREATED (WWW.FFIEC.GOV/HMDA/NATLAGGR2009.HTM).THE “SPECIAL”
NATIONAL AGGREGATE REPORT IS A CONSOLIDATED PDF FILE THAT INCLUDES
ONLY TABLES WITH LOAN PRICING INFORMATION, AND THESE TABLES ARE LIMITED
TO APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009.THE ONLY EXCEPTION ON BOTH NATIONAL AGGREGATE REPORTS IS THAT DATA PERTAINING
TO THE NUMBER OR DOLLAR AMOUNT OF HOEPA LOANS INCLUDE ALL LOANS IN 2009 REGARDLESS
OF THE DATE OF APPLICATION.INFORMATION
ON WHICH APPLICATIONS ARE COVERED IN EACH TABLE IS INCLUDED IN THE TITLE OF THE
TABLE.

CONTENT OF 2009 "STANDARD" NATIONAL AGGREGATE REPORT TABLES

THE FOLLOWING IS A LIST OF THE NATIONAL AGGREGATE TABLES
THAT HAVE BEEN PREPARED COVERING THE DATA FOR CALENDAR YEAR 2009.

TABLE
NUMBER

DESCRIPTION

TABLE 3-1

LOANS SOLD, BY CHARACTERISTICS OF BORROWER AND OF CENSUS TRACT
IN WHICH PROPERTY IS LOCATED AND BY TYPE OF PURCHASER (INCLUDES
ORIGINATIONS AND PURCHASED LOANS), 2009

TABLE
3-2

PRICING INFORMATION FOR FIRST AND JUNIOR LIEN LOANS SOLD BY
TYPE OF PURCHASER (INCLUDES ORIGINATIONS ONLY), 2009 (EXCLUDES LOANS WITH
APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION
THAT THE HOEPA LOANS ROW REFLECTS ACTIVITY FOR THE FULL YEAR)

TABLES 4-1 THROUGH 4-7

DISPOSITION OF APPLICATIONS FOR LOANS, BY RACE, ETHNICITY, GENDER
AND INCOME OF APPLICANT, 2009 (ONE FOR EACH TYPE OF LOAN:
FHA, FSA/RHS, AND VA HOME PURCHASE; CONVENTIONAL HOME PURCHASE;
REFINANCING; HOME IMPROVEMENT; MULTIFAMILY; NONOCCUPANT;
AND MANUFACTURED HOME DWELLINGS)

TABLES 5-1 THROUGH 5-7

DISPOSITION OF APPLICATIONS FOR LOANS, BY INCOME, RACE AND ETHNICITY
OF APPLICANT, 2009 (ONE FOR EACH TYPE OF LOAN)

TABLES
7-1 THROUGH 7-7

DISPOSITION
OF APPLICATIONS FOR LOANS, BY CHARACTERISTICS OF CENSUS TRACT
IN WHICH PROPERTY IS LOCATED, 2009 (ONE FOR EACH TYPE OF
LOAN)

TABLES
8-1 THROUGH 8-7

REASONS
FOR DENIAL OF APPLICATIONS, BY RACE, ETHNICITY, GENDER AND
INCOME OF APPLICANT, 2009 (ONE FOR EACH TYPE OF LOAN)

TABLE
9

DISPOSITION
OF LOAN APPLICATIONS, BY MEDIAN AGE OF HOMES IN CENSUS TRACT
IN WHICH PROPERTY IS LOCATED AND TYPE OF LOAN, 2009

TABLE
10

DISPOSITION
OF LOAN APPLICATIONS, BY PRINCIPAL CITY VERSUS NON-PRINCIPAL
CITY PROPERTY LOCATION AND TYPE OF LOAN, 2009

TABLES
11-1 THROUGH 11-4

PRICING INFORMATION FOR LOANS ON 1- TO 4-FAMILY, OWNER-OCCUPIED, BY BORROWER OR
CENSUS TRACT CHARACTERISTICS, 2009 (ONE FOR EACH TYPE OF LOAN FOR FIRST LIENS AND
JUNIOR LIENS: FHA HOME-PURCHASE; VA HOME-PURCHASE; AND CONVENTIONAL HOME-PURCHASE)
(EXCLUDES LOANS WITH APPLICATION DATES BETWEEN
OCTOBER 1, 2009 AND DECEMBER 31, 2009)

TABLES 11-5 THROUGH 11-10

PRICING INFORMATION FOR LOANS ON 1- TO 4-FAMILY, OWNER-OCCUPIED, BY BORROWER OR
CENSUS TRACT CHARACTERISTICS, 2009 (ONE FOR EACH TYPE OF LOAN FOR FIRST LIENS AND
JUNIOR LIENS: FHA REFINANCINGS; VA REFINANCINGS; CONVENTIONAL REFINANCINGS; AND
CONVENTIONAL HOME IMPROVEMENTS) (EXCLUDES LOANS
WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31, 2009 WITH THE EXCEPTION
THAT THE HOEPA LOANS COLUMN REFLECTS ACTIVITY FOR THE FULL YEAR)

LOAN
PRICING INFORMATION FOR CONVENTIONAL LOANS BY INCIDENCE AND
LEVEL, 2009
(EXCLUDES LOANS WITH APPLICATION DATES BETWEEN OCTOBER 1, 2009 AND DECEMBER 31,
2009 WITH THE EXCEPTION THAT THE HOEPA STATUS SECTION REFLECTS ACTIVITY FOR THE
FULL YEAR)